Bank of Melbourne Vertigo Card - Cashback Offer
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CardIQ
Good
Overall score, out of 100 · How this works
- 55 days interest-free58
- Balance transfer47
- Cashback87
- Low rate63
- Rewards22
Customer reviews
No reviews yet. Be the first to review the Bank of Melbourne Vertigo Card - Cashback Offer.
Pros & cons
What's good
- The 13.99% p.a. purchase rate is below the 18.99% p.a. market median.
- Earns cashback on eligible spending.
- No fee to add an additional cardholder.
Worth noting
- 3% foreign transaction fee on overseas spending.
- Earns no rewards points on spending.
Card details
The basics
- Additional cardholder fee
- $0 p.a.
- Card tier
- Standard
- Card type
- Visa
- Card use
- Personal
- Credit limit
- $500 – $80,000
- Credit rating
- Good
- Rewards program
- None
Eligibility
- Instant approval
- Yes (response in ~60 seconds)
- Joint application
- No
- Minimum age
- 18 years old
- Minimum income
- Not specified
- Residency
- Australian citizen or permanent resident
- Temporary residents
- Eligible
Rates & fees
Ongoing interest rates
- Cash advances
- 21.99% p.a.
- Purchases
- 13.99% p.a.
Fees
- Additional cardholder fee
- $0
- Annual fee
- $55 p.a.
- Cash advance fee
- 3.5% of the amount
- Foreign transaction fee
- 3%
- Late payment fee
- $20
Repayments
- Interest-free period
- Up to 55 days on purchases
- Minimum repayment
- 2% of the closing balance or $10, whichever is greater
Balance transfers
- Can't transfer from
- Bank of Melbourne, BankSA, St.George
- Limit
- Up to your available credit limit
- Period
- 12 months
- Promotional rate
- 6.99% p.a.
- Revert rate
- 21.99% p.a.
- Transfer fee
- 0%
While you carry a transferred balance you may not receive interest-free days on new purchases.
Introductory purchase offer
This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.
Rewards
Cashback
- Sign-up cashback
- $450
- Spend required
- $1,000 per month for 6 months
Where this card sits vs similar cards
Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.
Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.
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Browse by card type
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Questions and answers
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Sources
- Credit Card Compare
- Australian credit card statisticsHow CardIQ scores cards
- Issuer
- Bank of Melbourne